This is where your emergency homeowners policy is quite useful.  This policy can be negotiated in the offer to purchase.  It is well worth your while to suggest that the seller provide you with this insurance.

If the seller is confident of the “mechanics” of the home, they will not hesitate to provide you with this perk.  As a fist-time buyer you will feel more secure and relaxed about all the things that can go wrong in your new home.

The insurance normally has a deductible, but the service you require will not be bank breaking.  The policy is written for your first year of occupancy.  At the expiration, you will have the option of renewing the policy.

My recommendation is when buying your first house, use precaution and negotiate with the seller to ward off first year emergencies with this insurance.